I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Also, this morning I corresponded with Ms Amber B*** (Accounts Supervisor) at Community Choice Financial Ms B*** responded to my email inquiry promptly & informed me already that the fee was waived Ms B***' courtesy & professionalism is evident through her emails As a consumer & customer, this is most appreciated
Regards, *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meI have reviewed my notes and realized that the initial complaint was made in errorI did in fact apply on the website for a loan however do not remember applying for the amount of $The complaint was made for the continuous marketing emails I did not sign up forYou can discontinue any investigation of ID theftMy issue was resolved as I am no longer receiving harassing emails from this company
Thank you for the opportunity to respond to the recently filed complaint of *** ***We appreciate the role the Revdex.com serves in resolving consumer concernsAccording to Mr***’s compliant, after he had paid off his Auto Title Loan with Buckeye Check Cashing Stores of
Arizona, Inc(“CheckSmart”), he was told his title would be returned to him within 7-days. However, he has not received his title and is requesting we promptly return it to himIn researching Mr***’s complaint, we found that the District Manager of the retail branch, in which Mr*** conducted business, has spoken directly with Mr***, has expedited the process to have Mr***’s title sent to him and has addressed his additional concerns regarding the customer service representativeMr*** expressed satisfaction and thanked the District Manager for her assistance in resolving his concerns. CheckSmart would like to apologize for any inconvenience this may have caused Mr***Should you or Mr*** have any additional questions, I can be contact directly by phone at ###-###-#### or via email at a***@ccfi.com
Thank you for the opportunity to respond to the recently
filed complaint of Mr*** ***We appreciate the role the RevDex.com serves in resolving consumer concerns
According to our records, Mr*** sought the assistance of
California Check Cashing Stores, LLC (“CCCS”)
in obtaining a loan on April 10,
2015. Mr*** borrowed $2,576.00,
which includes an “Amount Financed” of $2,and an “Administrative Fee” of
$75.00. This was a month loan with
monthly payments of $400.39. To date,
CCCS has received $1,toward the balance.
Mr***’s complaint, as I understand it, is that he was “tricked”
into this high cost loan and is additionally frustrated that his first two
payments only lowered his principal amount due slightly
With regard to the loan cost, Mr***’s loan document
contains the following notice on its front page:
IMPORTANT NOTICE TO BORROWERS: THIS
IS A HIGH COST LOANYOU MAY BE ABLE TO OBTAIN A LOAN FROM SOMEONE ELSE AT A
LOWER RATE OF FINANCE CHARGETHINK CAREFULLY BEFORE YOU DECIDE TO TAKE THIS
LOAN
This notice is capitalized and in large bold typeThe Annual
Percentage Rate is also clearly disclosed to be 186.07% APR on the front page
of the loan agreement
As for the application of his first two payments, as is
typical with many installment loans, the early payments are allocated heavily
toward interestAs he continues to make payments, his principal will continue
to be reduced
As an accommodation to Mr***, his account has been
placed in a “hold” status, which means collection attempts have been
temporarily suspended. CCCS would be
happy to assist Mr*** directly in resolving this account. Please ask him to contact Andrea V***, a
senior supervisor in our collections area by October 26, to make
arrangements for payment of his outstanding account balance. MsVishak can be reached at ###-###-####,
extension ***
Should you or Mr*** have any
additional questions, I can be contact directly by phone at ###-###-####
As stated, the balance was included in my bankruptcy which was dishcharged in June This can no longer be collected on as it was accepted and included in my Chapter bankruptcy*** cannot legally ask me to pay a debt that was discharged in a Chapter bankruptcy.
Complaint:
I am rejecting this response because:
Regards,
*** ***
Thank you for the opportunity to respond to the recently filed complaint of *** *** We appreciate the role the Revdex.com serves in resolving consumer concernsAccording to Ms*** complaint, she received a Line of Credit from *** *** *** *** ***
*** ***) and funds were loaded onto her Insight CardHer understanding was that, if she did not use the funds, she would not be charged finance charges and is requesting a refund for the interest she was charged After speaking with the District Manager, Ms*** obtained a loan from *** *** in the amount of $which was loaded onto her Insight CardIt was explained to her by the store manager that the loan and Insight Card were two separate products. In addition, the Line of Credit Agreement provided to Ms***, contains disclosures and further explains how the interest and fees are calculated each billing cycle. Under the Line of Credit Agreement, had she paid back the initial advance within twenty-five days, she would have paid no interest or finance charges on that advance. Ms*** did not pay the advance within the grace period, therefore, interest began to accumulate on the outstanding balance at the rate stated in the agreementMs*** account was referred to *** ***’s corporate collections department on May 14, After receiving collections calls, Ms*** visited the retail branch location she conducted business, stating she had not used the funds so she should not be charged finance chargesIt was explained again by the store manager that the loan and Insight Card are two separate products. At no time during her visit did Ms*** state she was not treated fairly or state she had been given incorrect informationOur records show, as of today’s date, Ms*** account has been paid in full and have determined no refund is to be issued to her Should you or Ms*** have any additional questions, I can be contact directly by phone at ###-###-#### or via email at ***
Thank you for the opportunity to respond to the recently filed complaint of Frank ***. We appreciate the role the Revdex.com plays in resolving consumer concerns In reviewing our records, Cash Central was forwarded Mr***’s loan application on March 3, from *** and
promptly approved his borrowing request. On March 3, 2016, he entered into a loan agreement with Cash CentralThis was a $payday loan, which was paid on March 11, 2016. On May 26, a $2,Installment loan was obtained, with biweekly payments for $188.68. Cash Central received no payments toward the balance As the loan appears to be an identity theft incident, Cash Central can send instructions to Mr*** which included instructions on completing the FTC Identity Theft Affidavit and instructions on filing a police report. We ask Mr*** to contact our Corporate Customer Service Department at ###-###-#### for assistance with his fraud claim. Once the requested fraud documents are received, Cash Central will request that the credit reporting agencies remove any information concerning the Cash Central loan from Mr***’s file. Cash Central apologizes for the inconvenience Mr*** has experienced as a result of this identity theft, such fraudulent activity benefits neither the consumer nor industry. If you or Mr*** have any further questions or need additional detail, please feel free to contact our Corporate Customer Service Department at ###-###-####
Thank you for the opportunity to respond to the recently filed complaint of Mr*** ***We appreciate the role the Revdex.com serves in resolving consumer concerns and we are happy to provide this response for youTo summarize his complaint Mr*** states he received two (2)
e-mails from Cash Central regarding payment for a loan he did not applied forMr*** requests to have this debt removed from his credit and all communication to cease and desistA search of our records determined that an Installment loan on Mr***’s name was requested with Cash Central of Utah, LLC (“Cash Central”) to be effective August 14, 2017, in the amount of $with bi-weekly payment of $and a maturity date of august 16, On August 29, Mr*** contacted Cash Central to advise us he did not request such loan; however when we attempted to transfer him to our Fraud Department, the call was ended before the transfer could be completed successfullyWe have attempted, without success, to contact Mr*** to the number he providedUpon the receipt of this complaint we have placed Mr***’s account in a “Hold” status to prevent any further activityWe have also mailed our “Identity Theft Package” which consist of a copy the Federal Trade Commission Identity Theft Affidavit form and request he completes and return the form within twenty-one (21) daysMr*** is also requested to provide us with a copy of his police report of the loan fraud listing Cash Central, as well a proof of identity ( a government-issued ID)Cash Central takes identity theft very seriously, and requests Mr.***’s cooperation and patience while we validate his claimIn the event Cash Central does not receive the above documents from Mr*** within days, or the information he provides is incomplete, Cash Central will presume this indicates Mr*** acceptance of the debtCash Central cannot clear the debt from his name unless Mr*** is willing to aid in the prosecution of the identity theft suspect, and until the debt is either paid in full, or proven to be fraudulentShould the Revdex.com or Mr*** have any additional questions, please contact me directly at [email protected]
When
Mr*** requested a loan from Easy Money on December 31, 2015, he signed the
Deferred Presentment Services Agreement and Disclosure Statement (attached) which clearly
states if he did not pay his loan in full in cash on or before the payment Due
Date, his check would be deposited
Thank you for the opportunity to respond to the recently filed complaint of Lindsey ***. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same hereinIn researching Ms***’s complaint, we found, due to a miscommunication,
the incorrect information was provided to Ms***We have taken the corrective action to address the matter so it does not happen again. We apologize to Ms*** for the mistake and as a gesture of good faith, have waived the balance on her account Should Ms*** have additional questions I can be contacted via phone at ###-###-#### or via email at ***
In researching the situation, the calls were placed to Ms
***’s daughter’s cell phone number because one of our customers listed that
number as his own phone number.
I
have reviewed the call log and it indicates on August 3, a call was placed
to the cell phone number. Ms***’s
daughter then contacted us the same day, claiming we had called the wrong number. We then removed the phone number from our
call system and we did not make further calls to that number
We have now placed the phone number on our do not call
list to prevent further calls from occurring and I would like to offer my apologies for
the inconvenience this has caused Ms*** and her daughter
I
sincerely hope that this fully addresses Ms***’s concerns. Should you have any questions, please feel
free to contact me at ###-###-####
Thank you for the opportunity to respond to the recently filed complaint of Mr*** ***We appreciate the role the Revdex.com serves in resolving consumer concernsMr*** states that he has a waiver of the late fees assessed on his past-due payment for his Motor
Vehicle Title Pawn Contract, but that *** *** *** ** ***, *** (“*** ***”) will not accept payment without the late fees includedA review of our records determined that Mr*** did have a waiver of late fees, as statedWe have reached out to Mr*** directly and requested he come in to our store to make payment in person, without a past-due penalty*** *** thanks Mr*** for his businessShould the Mr***, or the Revdex.com, have any additional questions, or concerns, please contact me directly at ***
Thank you for the opportunity to respond to the recently filed complaint of *** ***We appreciate the role the Revdex.com serves in resolving consumer concernsMs***’s complaint as I understand it is, she was unable to pay off her Line of Credit due to changes in the
loan terms being changed from days to days without providing her with proper notice and is requesting the interest charges be removedIn February, *** *** Financial Services, LLC (“*** ***”) customers were provided with a written notice about the change in terms In addition, when Ms*** took an initial advance of $on April 29, and May 26, 2016, the change in terms was explained to her and she received and signed the Line of Credit Agreement. The agreement contains disclosures and further explains how the interest and fees are calculated each billing cycle. Under the Line of Credit Agreement, had she paid back the initial advance within twenty-five days, she would have paid no interest or finance charges on that advance. Ms*** did not pay the advance within the grace period, therefore, interest began to accumulate on the outstanding balance at the rate stated in the agreementMs***’s is currently past due for $61.53, which includes a late fee for $9.74. *** *** is willing to waive this late fee if she is able to make the past due balance due of $todayWe ask she please contact the retail branch she conducted business at ###-###-#### for assistance with getting her account current and answer any questions or concerns she may have
Thank you for the opportunity to respond to the recently
filed complaint of *** ***We appreciate the role the RevDex.com serves in resolving consumer concerns
Our records indicate on August 17, 2015, an inquiry was
submitted regarding a possible loan with the name of
*** *** and
contact number ###-###-####. This
inquiry was submitted through a website operated by an unaffiliated marketing
firmThat marketing firm forwarded the information, along with a social security
number and email address that, according to what Ms*** provided to our
customer service representative by phone on August 21, 2015, did not match her
social security number or her email address
We can confirm that no loan was applied for, originated or
funded based on the information submitted on August 17, and a letter
regarding this matter has been sent to Ms*** per her request.
We would
like to offer our apologies for the inconvenience this has caused Ms
***.
Should you or Ms*** have
any additional questions, I can be contact directly by phone at ###-###-####
Thank you for the opportunity to respond to the recently filed complaint of Ms*** ***We appreciate the role the Revdex.com serves in resolving consumer concerns, and we are happy to provide this response for youAccording to our records, you requested and received
a Vehicle Secured Title Loan with an effective date of April 25, 2014, and a maturity date of April 25, 2017, in the amount of $8,The collateral property is a Ford EscapeYour cumulative finance charge, assuming no missed payments, is $18,530.22, for a Total of Payments in the amount of $26,Your payment schedule, again assuming no missed payments, is monthly, beginning May 25, 2014, for installments of $737.38, and one (1) of $736.92, due April 25, As of May 9, 2017, your account has an outstanding balance of $2,967.08, and the last payment on the account was received March 28, Your scheduled payment of $on April 25, 2017, is past-dueAccording to your complaint, you believe that you have successfully paid-in-full your loan, and that the remaining balance on your loan may be the result of a “discrepancy” in our recordsRespectfully, this is incorrectPer your loan contract, if all payments were made on-time, your final payment would have been due April 25, However, according to our records you failed to make timely payments in the following months: May, 2014, November, 2014, May, 2015, August, 2015, December, 2015, June, 2016, September, 2016, November, 2016, and April, From your complaint, you appear to believe that once you made total payments, your financial obligation to Check Cashing is met; this would be true, but only if you had made all payments timelyFor the months that payments were not received timely, the amount of interest due on the loan increasedMaking “catch-up” payments the following month is not equivalent to making every payment on-timeEach missed payment causes additional interest to accrue to your accountBy way of example, your June 2, 2014, and June 24, 2015, payments applied entirely to interest, with no reduction in your principalIn the spirit of customer cooperation, we are willing to discuss some degree of balance reduction to assist youWe request you contact our corporate collections department at ###-###-#### to discuss this further. If you have additional questions, or concerns, please do not hesitate to contact me at ***
We appreciate Ms*** providing us with a copy of her
bank statement. A refund in the amount
of $has been issued and Ms*** should receive the refund directly to
her account within 24-hours
Thank you for the opportunity to respond to the recently filed complaint of *** ***. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same hereinIn reviewing our records, *** *** obtained advances on June 30, 2015.
Both obligations remained open and unpaid. Due to our inability to resolve the indebtedness with *** ***, his accounts were sold to *** *** ***, ###-###-#### on September 29, and Global Trust, ###-###-#### on November 30, and has not made any collection attempts since that timeDue to the sale of these debts, we do not have the authority to collect on these debts. We encourage *** *** to contact these agencies directly for further assistanceShould the Revdex.com or *** *** have any additional questions, I can be contacted directly by phone at ###-###-#### or via email at ***
Thank you for the opportunity to respond to the recently filed complaint of Sarah ***. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same hereinIn reviewing Ms***’s complaint, our records show she obtained
advances from Easy Money on February, 28, and December 31, 2015. Both obligations remained open and unpaid. Due to our inability to resolve the indebtedness with Ms***, these accounts were subsequently sold. Easy Money sold Ms***’s February 28, account to *** ***l, ###-###-#### on June 30, and her December 31, account to *** *** *** ###-###-#### on November 29, A further review of our records indicates we do not have nor have we had an employee by that name in our organization. Our associates are fully trained and actions as outlined in the complaint would be in violation of our existing policies We have forwarded Ms***’s complaint to *** *** *** compliance department for review and remediation
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to me
Also, this morning I corresponded with Ms Amber B*** (Accounts Supervisor) at Community Choice Financial Ms B*** responded to my email inquiry promptly & informed me already that the fee was waived Ms B***' courtesy & professionalism is evident through her emails As a consumer & customer, this is most appreciated
Regards, *** ***
I reviewed the response made by the business in reference to complaint ID ***, and find the resolution is satisfactory to meI have reviewed my notes and realized that the initial complaint was made in errorI did in fact apply on the website for a loan however do not remember applying for the amount of $The complaint was made for the continuous marketing emails I did not sign up forYou can discontinue any investigation of ID theftMy issue was resolved as I am no longer receiving harassing emails from this company
Thank you for the opportunity to respond to the recently filed complaint of *** ***We appreciate the role the Revdex.com serves in resolving consumer concernsAccording to Mr***’s compliant, after he had paid off his Auto Title Loan with Buckeye Check Cashing Stores of
Arizona, Inc(“CheckSmart”), he was told his title would be returned to him within 7-days. However, he has not received his title and is requesting we promptly return it to himIn researching Mr***’s complaint, we found that the District Manager of the retail branch, in which Mr*** conducted business, has spoken directly with Mr***, has expedited the process to have Mr***’s title sent to him and has addressed his additional concerns regarding the customer service representativeMr*** expressed satisfaction and thanked the District Manager for her assistance in resolving his concerns. CheckSmart would like to apologize for any inconvenience this may have caused Mr***Should you or Mr*** have any additional questions, I can be contact directly by phone at ###-###-#### or via email at a***@ccfi.com
Thank you for the opportunity to respond to the recently
filed complaint of Mr*** ***We appreciate the role the RevDex.com serves in resolving consumer concerns
According to our records, Mr*** sought the assistance of
California Check Cashing Stores, LLC (“CCCS”)
in obtaining a loan on April 10,
2015. Mr*** borrowed $2,576.00,
which includes an “Amount Financed” of $2,and an “Administrative Fee” of
$75.00. This was a month loan with
monthly payments of $400.39. To date,
CCCS has received $1,toward the balance.
Mr***’s complaint, as I understand it, is that he was “tricked”
into this high cost loan and is additionally frustrated that his first two
payments only lowered his principal amount due slightly
With regard to the loan cost, Mr***’s loan document
contains the following notice on its front page:
IMPORTANT NOTICE TO BORROWERS: THIS
IS A HIGH COST LOANYOU MAY BE ABLE TO OBTAIN A LOAN FROM SOMEONE ELSE AT A
LOWER RATE OF FINANCE CHARGETHINK CAREFULLY BEFORE YOU DECIDE TO TAKE THIS
LOAN
This notice is capitalized and in large bold typeThe Annual
Percentage Rate is also clearly disclosed to be 186.07% APR on the front page
of the loan agreement
As for the application of his first two payments, as is
typical with many installment loans, the early payments are allocated heavily
toward interestAs he continues to make payments, his principal will continue
to be reduced
As an accommodation to Mr***, his account has been
placed in a “hold” status, which means collection attempts have been
temporarily suspended. CCCS would be
happy to assist Mr*** directly in resolving this account. Please ask him to contact Andrea V***, a
senior supervisor in our collections area by October 26, to make
arrangements for payment of his outstanding account balance. MsVishak can be reached at ###-###-####,
extension ***
Should you or Mr*** have any
additional questions, I can be contact directly by phone at ###-###-####
quit contacting me through any of my numbers or u will get sued for these illegal debts period!
Regards, *** ***
As stated, the balance was included in my bankruptcy which was dishcharged in June This can no longer be collected on as it was accepted and included in my Chapter bankruptcy*** cannot legally ask me to pay a debt that was discharged in a Chapter bankruptcy.
Complaint:
I am rejecting this response because:
Regards,
*** ***
Thank you for the opportunity to respond to the recently filed complaint of *** *** We appreciate the role the Revdex.com serves in resolving consumer concernsAccording to Ms*** complaint, she received a Line of Credit from *** *** *** *** ***
*** ***) and funds were loaded onto her Insight CardHer understanding was that, if she did not use the funds, she would not be charged finance charges and is requesting a refund for the interest she was charged After speaking with the District Manager, Ms*** obtained a loan from *** *** in the amount of $which was loaded onto her Insight CardIt was explained to her by the store manager that the loan and Insight Card were two separate products. In addition, the Line of Credit Agreement provided to Ms***, contains disclosures and further explains how the interest and fees are calculated each billing cycle. Under the Line of Credit Agreement, had she paid back the initial advance within twenty-five days, she would have paid no interest or finance charges on that advance. Ms*** did not pay the advance within the grace period, therefore, interest began to accumulate on the outstanding balance at the rate stated in the agreementMs*** account was referred to *** ***’s corporate collections department on May 14, After receiving collections calls, Ms*** visited the retail branch location she conducted business, stating she had not used the funds so she should not be charged finance chargesIt was explained again by the store manager that the loan and Insight Card are two separate products. At no time during her visit did Ms*** state she was not treated fairly or state she had been given incorrect informationOur records show, as of today’s date, Ms*** account has been paid in full and have determined no refund is to be issued to her Should you or Ms*** have any additional questions, I can be contact directly by phone at ###-###-#### or via email at ***
Thank you for the opportunity to respond to the recently filed complaint of Frank ***. We appreciate the role the Revdex.com plays in resolving consumer concerns In reviewing our records, Cash Central was forwarded Mr***’s loan application on March 3, from *** and
promptly approved his borrowing request. On March 3, 2016, he entered into a loan agreement with Cash CentralThis was a $payday loan, which was paid on March 11, 2016. On May 26, a $2,Installment loan was obtained, with biweekly payments for $188.68. Cash Central received no payments toward the balance As the loan appears to be an identity theft incident, Cash Central can send instructions to Mr*** which included instructions on completing the FTC Identity Theft Affidavit and instructions on filing a police report. We ask Mr*** to contact our Corporate Customer Service Department at ###-###-#### for assistance with his fraud claim. Once the requested fraud documents are received, Cash Central will request that the credit reporting agencies remove any information concerning the Cash Central loan from Mr***’s file. Cash Central apologizes for the inconvenience Mr*** has experienced as a result of this identity theft, such fraudulent activity benefits neither the consumer nor industry. If you or Mr*** have any further questions or need additional detail, please feel free to contact our Corporate Customer Service Department at ###-###-####
Thank you for the opportunity to respond to the recently filed complaint of Mr*** ***We appreciate the role the Revdex.com serves in resolving consumer concerns and we are happy to provide this response for youTo summarize his complaint Mr*** states he received two (2)
e-mails from Cash Central regarding payment for a loan he did not applied forMr*** requests to have this debt removed from his credit and all communication to cease and desistA search of our records determined that an Installment loan on Mr***’s name was requested with Cash Central of Utah, LLC (“Cash Central”) to be effective August 14, 2017, in the amount of $with bi-weekly payment of $and a maturity date of august 16, On August 29, Mr*** contacted Cash Central to advise us he did not request such loan; however when we attempted to transfer him to our Fraud Department, the call was ended before the transfer could be completed successfullyWe have attempted, without success, to contact Mr*** to the number he providedUpon the receipt of this complaint we have placed Mr***’s account in a “Hold” status to prevent any further activityWe have also mailed our “Identity Theft Package” which consist of a copy the Federal Trade Commission Identity Theft Affidavit form and request he completes and return the form within twenty-one (21) daysMr*** is also requested to provide us with a copy of his police report of the loan fraud listing Cash Central, as well a proof of identity ( a government-issued ID)Cash Central takes identity theft very seriously, and requests Mr.***’s cooperation and patience while we validate his claimIn the event Cash Central does not receive the above documents from Mr*** within days, or the information he provides is incomplete, Cash Central will presume this indicates Mr*** acceptance of the debtCash Central cannot clear the debt from his name unless Mr*** is willing to aid in the prosecution of the identity theft suspect, and until the debt is either paid in full, or proven to be fraudulentShould the Revdex.com or Mr*** have any additional questions, please contact me directly at [email protected]
When
Mr*** requested a loan from Easy Money on December 31, 2015, he signed the
Deferred Presentment Services Agreement and Disclosure Statement (attached) which clearly
states if he did not pay his loan in full in cash on or before the payment Due
Date, his check would be deposited
Thank you for the opportunity to respond to the recently filed complaint of Lindsey ***. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same hereinIn researching Ms***’s complaint, we found, due to a miscommunication,
the incorrect information was provided to Ms***We have taken the corrective action to address the matter so it does not happen again. We apologize to Ms*** for the mistake and as a gesture of good faith, have waived the balance on her account Should Ms*** have additional questions I can be contacted via phone at ###-###-#### or via email at ***
In researching the situation, the calls were placed to Ms
***’s daughter’s cell phone number because one of our customers listed that
number as his own phone number.
I
have reviewed the call log and it indicates on August 3, a call was placed
to the cell phone number. Ms***’s
daughter then contacted us the same day, claiming we had called the wrong number. We then removed the phone number from our
call system and we did not make further calls to that number
We have now placed the phone number on our do not call
list to prevent further calls from occurring and I would like to offer my apologies for
the inconvenience this has caused Ms*** and her daughter
I
sincerely hope that this fully addresses Ms***’s concerns. Should you have any questions, please feel
free to contact me at ###-###-####
Thank you for the opportunity to respond to the recently filed complaint of Mr*** ***We appreciate the role the Revdex.com serves in resolving consumer concernsMr*** states that he has a waiver of the late fees assessed on his past-due payment for his Motor
Vehicle Title Pawn Contract, but that *** *** *** ** ***, *** (“*** ***”) will not accept payment without the late fees includedA review of our records determined that Mr*** did have a waiver of late fees, as statedWe have reached out to Mr*** directly and requested he come in to our store to make payment in person, without a past-due penalty*** *** thanks Mr*** for his businessShould the Mr***, or the Revdex.com, have any additional questions, or concerns, please contact me directly at ***
cause they did not contract me I want my loan renewed for free month and I will go from there
Regards, *** ***
Thank you for the opportunity to respond to the recently filed complaint of *** ***We appreciate the role the Revdex.com serves in resolving consumer concernsMs***’s complaint as I understand it is, she was unable to pay off her Line of Credit due to changes in the
loan terms being changed from days to days without providing her with proper notice and is requesting the interest charges be removedIn February, *** *** Financial Services, LLC (“*** ***”) customers were provided with a written notice about the change in terms In addition, when Ms*** took an initial advance of $on April 29, and May 26, 2016, the change in terms was explained to her and she received and signed the Line of Credit Agreement. The agreement contains disclosures and further explains how the interest and fees are calculated each billing cycle. Under the Line of Credit Agreement, had she paid back the initial advance within twenty-five days, she would have paid no interest or finance charges on that advance. Ms*** did not pay the advance within the grace period, therefore, interest began to accumulate on the outstanding balance at the rate stated in the agreementMs***’s is currently past due for $61.53, which includes a late fee for $9.74. *** *** is willing to waive this late fee if she is able to make the past due balance due of $todayWe ask she please contact the retail branch she conducted business at ###-###-#### for assistance with getting her account current and answer any questions or concerns she may have
Thank you for the opportunity to respond to the recently
filed complaint of *** ***We appreciate the role the RevDex.com serves in resolving consumer concerns
Our records indicate on August 17, 2015, an inquiry was
submitted regarding a possible loan with the name of
*** *** and
contact number ###-###-####. This
inquiry was submitted through a website operated by an unaffiliated marketing
firmThat marketing firm forwarded the information, along with a social security
number and email address that, according to what Ms*** provided to our
customer service representative by phone on August 21, 2015, did not match her
social security number or her email address
We can confirm that no loan was applied for, originated or
funded based on the information submitted on August 17, and a letter
regarding this matter has been sent to Ms*** per her request.
We would
like to offer our apologies for the inconvenience this has caused Ms
***.
Should you or Ms*** have
any additional questions, I can be contact directly by phone at ###-###-####
Thank you for the opportunity to respond to the recently filed complaint of Ms*** ***We appreciate the role the Revdex.com serves in resolving consumer concerns, and we are happy to provide this response for youAccording to our records, you requested and received
a Vehicle Secured Title Loan with an effective date of April 25, 2014, and a maturity date of April 25, 2017, in the amount of $8,The collateral property is a Ford EscapeYour cumulative finance charge, assuming no missed payments, is $18,530.22, for a Total of Payments in the amount of $26,Your payment schedule, again assuming no missed payments, is monthly, beginning May 25, 2014, for installments of $737.38, and one (1) of $736.92, due April 25, As of May 9, 2017, your account has an outstanding balance of $2,967.08, and the last payment on the account was received March 28, Your scheduled payment of $on April 25, 2017, is past-dueAccording to your complaint, you believe that you have successfully paid-in-full your loan, and that the remaining balance on your loan may be the result of a “discrepancy” in our recordsRespectfully, this is incorrectPer your loan contract, if all payments were made on-time, your final payment would have been due April 25, However, according to our records you failed to make timely payments in the following months: May, 2014, November, 2014, May, 2015, August, 2015, December, 2015, June, 2016, September, 2016, November, 2016, and April, From your complaint, you appear to believe that once you made total payments, your financial obligation to Check Cashing is met; this would be true, but only if you had made all payments timelyFor the months that payments were not received timely, the amount of interest due on the loan increasedMaking “catch-up” payments the following month is not equivalent to making every payment on-timeEach missed payment causes additional interest to accrue to your accountBy way of example, your June 2, 2014, and June 24, 2015, payments applied entirely to interest, with no reduction in your principalIn the spirit of customer cooperation, we are willing to discuss some degree of balance reduction to assist youWe request you contact our corporate collections department at ###-###-#### to discuss this further. If you have additional questions, or concerns, please do not hesitate to contact me at ***
We appreciate Ms*** providing us with a copy of her
bank statement. A refund in the amount
of $has been issued and Ms*** should receive the refund directly to
her account within 24-hours
Thank you for the opportunity to respond to the recently filed complaint of *** ***. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same hereinIn reviewing our records, *** *** obtained advances on June 30, 2015.
Both obligations remained open and unpaid. Due to our inability to resolve the indebtedness with *** ***, his accounts were sold to *** *** ***, ###-###-#### on September 29, and Global Trust, ###-###-#### on November 30, and has not made any collection attempts since that timeDue to the sale of these debts, we do not have the authority to collect on these debts. We encourage *** *** to contact these agencies directly for further assistanceShould the Revdex.com or *** *** have any additional questions, I can be contacted directly by phone at ###-###-#### or via email at ***
Thank you for the opportunity to respond to the recently filed complaint of Sarah ***. We appreciate the role the Revdex.com serves in resolving consumer concerns and hope to address the same hereinIn reviewing Ms***’s complaint, our records show she obtained
advances from Easy Money on February, 28, and December 31, 2015. Both obligations remained open and unpaid. Due to our inability to resolve the indebtedness with Ms***, these accounts were subsequently sold. Easy Money sold Ms***’s February 28, account to *** ***l, ###-###-#### on June 30, and her December 31, account to *** *** *** ###-###-#### on November 29, A further review of our records indicates we do not have nor have we had an employee by that name in our organization. Our associates are fully trained and actions as outlined in the complaint would be in violation of our existing policies We have forwarded Ms***’s complaint to *** *** *** compliance department for review and remediation